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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,583 | $77,670-31.0% | $125,529-57.3% | $65,306-18.0% |
| Participation rate | 74.1% | 63.2%+11.0pp | 74.7%-0.6pp | 57.7%+16.5pp |
| Annual return | 17.76% | 15.16%+2.6pp | 202.56%-184.8pp | 21.94%-4.2pp |
| Employer contribution / active EE | $1,446 | $2,099-31.1% | $3,058-52.7% | $1,967-26.5% |
| Participant deferral / active EE | $3,893 | $3,095+25.8% | $4,813-19.1% | $2,959+31.5% |
| Admin fee / account holder | $2,729 | $3,598-24.2% | $16,298-83.3% | $3,480-21.6% |